Can I retire at age 52 with 6,100,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $6,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$503,732$499,245$494,868$490,595$486,423$482,347
2 years$249,372$244,728$240,227$235,863$231,630$227,522
3 years$164,597$159,933$155,443$151,120$146,955$142,943
4 years$122,217$117,567$113,123$108,873$104,810$100,924
5 years$96,796$92,174$87,788$83,625$79,675$75,926
6 years$79,855$75,267$70,946$66,876$63,044$59,438
7 years$67,758$63,209$58,956$54,982$51,272$47,809
8 years$58,690$54,182$49,999$46,123$42,535$39,216
9 years$51,640$47,175$43,064$39,287$35,820$32,645
10 years$46,004$41,583$37,545$33,866$30,521$27,486
11 years$41,396$37,019$33,054$29,473$26,249$23,353
12 years$37,558$33,226$29,334$25,852$22,747$19,987
13 years$34,313$30,026$26,208$22,823$19,836$17,209
14 years$31,535$27,293$23,548$20,260$17,388$14,891
15 years$29,129$24,933$21,261$18,068$15,310$12,939
16 years$27,025$22,875$19,276$16,178$13,531$11,282
17 years$25,171$21,067$17,540$14,536$11,997$9,867
18 years$23,525$19,467$16,012$13,100$10,667$8,652
19 years$22,054$18,042$14,658$11,837$9,508$7,603
20 years$20,732$16,766$13,453$10,721$8,493$6,694
21 years$19,537$15,616$12,374$9,730$7,600$5,904
22 years$18,452$14,577$11,405$8,846$6,812$5,214
23 years$17,463$13,634$10,530$8,057$6,115$4,611
24 years$16,558$12,774$9,739$7,348$5,496$4,082
25 years$15,727$11,988$9,020$6,711$4,946$3,618
26 years$14,960$11,267$8,365$6,136$4,455$3,209
27 years$14,252$10,603$7,768$5,616$4,017$2,848
28 years$13,596$9,991$7,221$5,146$3,624$2,529
29 years$12,985$9,426$6,720$4,719$3,273$2,248
30 years$12,417$8,902$6,260$4,331$2,957$1,999
31 years$11,886$8,415$5,836$3,977$2,673$1,778
32 years$11,390$7,962$5,445$3,655$2,418$1,582
33 years$10,924$7,540$5,084$3,361$2,189$1,409
34 years$10,487$7,147$4,750$3,093$1,982$1,254
35 years$10,076$6,778$4,441$2,847$1,795$1,117
36 years$9,688$6,434$4,154$2,622$1,626$996
37 years$9,322$6,111$3,888$2,416$1,474$887
38 years$8,977$5,807$3,641$2,227$1,336$791
39 years$8,650$5,522$3,412$2,053$1,212$705
40 years$8,340$5,254$3,198$1,894$1,099$629
41 years$8,046$5,001$2,998$1,747$997$561
42 years$7,766$4,763$2,813$1,613$905$500
43 years$7,501$4,538$2,639$1,489$821$446
44 years$7,248$4,326$2,477$1,374$745$398
45 years$7,007$4,125$2,326$1,269$677$355
46 years$6,777$3,935$2,185$1,172$614$317
47 years$6,558$3,755$2,053$1,083$558$283
48 years$6,348$3,585$1,929$1,001$507$252
49 years$6,148$3,423$1,813$925$460$225
50 years$5,956$3,270$1,704$855$418$201

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $6,100,000, adding $4,075 every year, while hoping to spend $44,969 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 49/32/19 Blend
51$6,100,000$6,100,000$6,100,000$6,100,000
52$6,726,403$6,403,103$6,308,553$7,019,993
53$7,364,650$6,669,009$6,472,043$7,489,745
54$8,066,490$6,946,436$6,639,503$7,994,844
55$8,838,364$7,235,903$6,811,018$8,542,600
56$9,687,365$7,537,950$6,986,675$9,137,043
57$10,621,310$7,853,144$7,166,562$9,782,601
58$11,648,811$8,182,075$7,350,769$10,484,142
59$12,779,357$8,525,365$7,539,388$11,247,015
60$14,023,404$8,883,660$7,732,509$12,077,100
61$15,392,470$9,257,638$7,930,228$12,980,866
62$16,899,250$9,648,011$8,132,639$13,965,423
63$18,557,729$10,055,519$8,339,837$15,038,591
64$20,383,318$10,480,939$8,551,922$16,208,971
65$22,392,997$10,925,086$8,768,992$17,486,026
66$24,605,476$11,388,808$8,991,147$18,880,164
67$27,041,373$11,872,998$9,218,488$20,402,837
68$29,723,404$12,378,586$9,451,119$22,066,644
69$32,676,603$12,906,549$9,689,143$23,885,451
70$35,928,552$13,457,905$9,932,665$25,874,516
71$39,509,647$14,033,725$10,181,792$28,050,630
72$43,453,379$14,635,126$10,436,630$30,432,276
73$47,796,655$15,263,279$10,697,289$33,039,796
74$52,580,143$15,919,408$10,963,877$35,895,584
75$57,848,656$16,604,797$11,236,505$39,024,290
76$63,651,575$17,320,789$11,515,284$42,453,052
77$70,043,316$18,068,788$11,800,327$46,211,746
78$77,083,843$18,850,267$12,091,746$50,333,269
79$84,839,230$19,666,765$12,389,654$54,853,840
80$93,382,291$20,519,896$12,694,167$59,813,340
81$102,793,262$21,411,349$13,005,400$65,255,685
82$113,160,561$22,342,891$13,323,466$71,229,235
83$124,581,619$23,316,373$13,648,484$77,787,245
84$137,163,804$24,333,735$13,980,567$84,988,366
85$151,025,429$25,397,006$14,319,834$92,897,190
86$166,296,875$26,508,310$14,666,400$101,584,854
87$183,121,813$27,669,875$15,020,381$111,129,710
88$201,658,569$28,884,030$15,381,895$121,618,055
89$222,081,612$30,153,216$15,751,057$133,144,941
90$244,583,201$31,479,988$16,127,983$145,815,068
91$269,375,205$32,867,025$16,512,787$159,743,758
92$296,691,095$34,317,129$16,905,585$175,058,048
93$326,788,154$35,833,235$17,306,490$191,897,872
94$359,949,902$37,418,420$17,715,614$210,417,381
95$396,488,774$39,075,904$18,133,068$230,786,385
96$436,749,065$40,809,060$18,558,962$253,191,953
97$481,110,187$42,621,421$18,993,404$277,840,166
98$529,990,243$44,516,688$19,436,501$304,958,056
99$583,849,981$46,498,738$19,888,356$334,795,739
100$643,197,135$48,571,632$20,349,072$367,628,764